It’s not uncommon for people to have a pre-existing condition or history of illness. It’s hard to know if your current health care coverage will cover you if you have a pre-existing condition. Many people are faced with this problem, and it can be difficult to determine what the best course of action is.
You don’t want to leave yourself vulnerable to financial ruin if you cannot get the care you need because of your health.
What health care coverage is there for pre-existing conditions?
A person with a pre-existing condition may need to choose one of two plans.
- HMO – a common option for people who are ill. The HMO coverage protects you from out-of-network providers. Your cost for a health care provider or procedure is only what the provider charges you.
- PPO – a less common option for ill people. The PPO coverage offers basic coverage, but you are responsible for the difference if you need more. This is typically an extra cost. The risk of a pre-existing condition not being covered may lead to higher premiums and more out-of-pocket expenses.
What are some steps to take if your Medicare supplemental insurance doesn’t cover you?
You may be entitled to extra help from the federal government to obtain the necessary care. Suppose you have a Medigap insurance policy, for example.
In that case, you may be able to get a Medicare prescription drug benefit, often called Part D.
Still, Medicare does not cover all medical care, so you must check with your supplemental insurance provider to see if you will be approved for coverage. Look for a policy that will provide you with coverage and coverage for at least one of your pre-existing conditions.
If you do not have insurance through your employer, check your state’s Medicaid program for eligibility. You may apply for Medicaid, or you may have a supplemental insurance policy with coverage. You may have a pre-existing condition that affects your ability to get care.
Suppose you are already experiencing a health problem. In that case, it’s vital to ensure you’re taking the necessary steps to keep it from becoming a serious condition that could ultimately leave you penniless.
It’s best to know your health status before taking on any primary health care or insurance decisions, and that means getting the medical care you need without having to suffer the financial consequences.
At The Modern Medicare Agency, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we’re here to help you out. Learn more about our products and services by calling our agency at (631) 358-5793. You can also request a free quote by CLICKING HERE.